Farnoosh Torabi is one of the nation's newest and most fascinating personal finance experts. The New York Times calls her advice "perfectly practical." She is a nationally recognized author, and her work has been featured in Money, Entrepreneur, Glamour, Marie Claire, and many other national magazines. She is the money coach for Credit.com, financial expert for LearnVest.com, and contributor at MoneyWatch.com. Farnoosh Torabi is the author of Psych Yourself Rich.

Mark Zandi is Chief Economist and co-founder of Moody's Economy.com. His recent research has included: studying determinants of mortgage foreclosure and personal bankruptcy; analyzing economic impacts of tax and government spending policies; and assessing policy responses to bubbles in asset markets. Mark is the author of Financial Shock, Updated Edition.